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UMB Bank · 1 day ago

Business Banking Relationship Officer Sr.

Plano, TX

Full-time

Hybrid

Senior Level

$77K/yr - $164K/yr

7+ years exp

UMB Bank is seeking a Business Banking Relationship Officer Sr. to enhance their business banking team. The role involves cultivating new commercial relationships and managing existing ones to increase profitability while providing expert advice and support to clients.

BankingFinanceFinancial Services

Responsibilities

Generate, retain, & expand lending, investment and deposit relationship with new and existing clients through client referrals, centers of influence & direct prospecting

Develop, generate and follow-up on new client leads through existing clients, client referrals, COI referrals, & prospecting

Manage overall relationship profitability & portfolio risk and is responsible for profitable growth of the portfolio assigned (includes loans, deposits, & fee income). Act as a consultant to clients and a resource to the Bank in developing & retaining business

Provide insight & ideas for enhancing client relationships, client cash flow, profitability, and efficiency

Manage the overall credit quality of assigned portfolio (includes sales, credit analysis, loan structuring, client and prospect interviews)

Monitor & manage existing credit relationship, which includes note renewals, reviewing & detailed analysis of current financial statements & collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions & covenant monitoring, compiling reports necessary to monitor asset & credit quality and compliance with policy/regulation

Negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, recommend appropriate credit grade, make oral/written presentation to underwriter or loan committee, and implement approval/declination action

Serve as the primary link for all financial services to the individual Business Banking client with the bank (i.e. Treasury Services, International, Trust, and Cash Vault)

Participate in community & professional activities in order to enhance the bank’s image and expand personal network of business contacts for development of new business

Monitor accounts to identify potential credit problems and assure proper loan documentation. Customers tend to have complicated lending requirements involving term loan agreements, commercial real estate, and revolving credit lines

Communicate and collaborate with consistency and transparency with business banking teams and internal partners

Consistently use and maintain CRM usage

Other duties as assigned

Qualification

Business banking sales experienceCredit underwritingCommercial lending practicesFinancial analysisAccounting principlesMarket/industry trendsCRM usageRelationship managementWordExcelPowerPointCommunication skillsNegotiation skills